Licensing Requirement

Before placing new business with Cigna, brokers and consultants must be:

Licensed, contracted and appointed in state of the account for indemnity business

Licensed, contracted and appointed in the state where the customer office is located for HMO accounts

Solicit, sell or negotiate insurance benefitsThe National Association of Insurance Commissioners (NAIC) Producer Licensing Model Act, which has been adopted by many states, requires brokers and consultants to hold a "health" or "life/health" insurance license in the state where the solicitation, sale or negotiation takes place—before any sales activity.

The following states have insurance laws with additional requirements that need to be met before solicitation, sale or negotiation of insurance benefits:

Colorado—must be licensed and contracted with the carrier quoting the case

Georgia—must be licensed, contracted and appointed with the carrier

Illinois—must be licensed and contracted

Indiana—must be licensed and contracted

Kansas—must be licensed and contracted

Rhode Island—must be licensed and contracted

Special licensing requirements may exist with the sale of the following:

Dental HMO accounts with multiple membership sites

FlexCare® accounts with member sites in California, Texas and Alabama

Dental/HMO accounts with a member site in Virginia

Dental HMO accounts located in Georgia or Massachusetts

Receive commissionsTo receive commissions, you must meet licensing requirements before the effective date of the account. If you receive your license after the effective date of the account, state and case law requires insurers to pay commissions from the effective date of the license.

If your affiliated firm receives the commissions, you and the firm must meet the license requirements of the account.

If you have questions about licensing requirements, contact our local Cigna sales office.

Renew accountsYou must maintain a current license by complying with resident-state renewal and continuing-education requirements.

Submit new businessWork closely with the Cigna Sales Office New Business Managers to complete the filing requirements when submitting new business. When making a sale, you'll be required to:

Confirm that all licensing, company appointment and contracting requirements of the account are met

Complete one of the following forms:

Customer acknowledgement form (for all funding arrangements)

Producer acknowledgement form (signed by broker/agent)

Producer contract agreement

Please send all licensing, contracting and appointment questions to AgentLicensing@Cigna.com or to the Cigna HealthCare Licensing Department by fax at 860.226.3917.

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC). In Arizona, individual HMO plans are insured by Cigna HealthCare of Arizona, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

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